paul51:

 Hi
I would like some advice please on CCJs. I have several credit card debts that I am paying a token payment to each month. 2 of which have been sold to third party debt recovery firms. I have been threatened with CCJs. My question is, if a CCJ is ordered against me to pay an amount which I feel ( not necessarily the court ) I cannot reasonably pay, what is the consequence of not paying the amount ordered by the court ? I have paid and continue to pay all my priority debts, the debts all being credit card arrears. Will a bailiff be appointed by the court if I do not pay the amount ordered by the court if it is not for priority debt ? If so, and I do not let the bailiff in to my property, what  would happen then ? I think I am right in saying that you do not have to allow a bailff access to your home, so apart from a CCJ/CCJs being on my credit file for 6 years, what if anything could be done to make me pay ?
I am working part time and I assume an order could be issued to take the specified amount ordered by the court from my wages but then what happens if I get several more CCJs ? I am only on the minimum wage and it could eventually be not worth my time working.
I am in rented accomodation, have very little assets and a very low wage. Given this, would a debt recovery firm knowing my financial situation think it would be in their interest to pursue a CCJ anyway ?
Sorry for lots of questions and probably a bit disjointed post but would really appreciate if someone can answer some or all of the questions.

Hello Paul:

If a creditor applies for a CCJ against you what usually happens is you will be sent a form to fill in from the courts usually known as a 'means form'. Basically this is for you to list your income and expenditure and offer a realistic payment based on what you can afford to pay. Providing that your offer is realistic and affordable the courts will usually award that you pay that amount to your creditors.
If for any reason you don't keep up the payments then the creditors may have to re-apply to the court for further action to be taken which may result in bailiffs or even bankruptcy, this all depends on the initial hearing as to what has been awarded.
If you are struggling meeting payments why not give DAT a call, they will be able to look at your situation and advise on the best way forward, this may even stop legal action being taken against you. I hope this answers your questions.